Compare Pontiac G6 Insurance Rate Quotes in Plano

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Shocking but true, about 70% of customers have bought insurance from the same company for four years or more, and just under half have never compared rates with other companies. American insurance shoppers can save roughly $850 each year by just shopping around, but they don't believe the amount of money they would save if they moved their coverage to a different company.

Discount Pontiac G6 insuranceIf saving money is your primary concern, then the best way to get cheaper Pontiac G6 insurance is to annually compare prices from providers who sell auto insurance in Plano. Rates can be compared by completing these steps.

  1. It will benefit you to learn about the different coverages in a policy and the measures you can take to drop your rates. Many rating criteria that result in higher prices such as speeding tickets, careless driving and poor credit rating can be rectified by being financially responsible and driving safely. Keep reading for more information to keep prices down and get additional discounts that may have been overlooked.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like Progressive or Allstate, while independent agents can provide prices for many different companies. View rates
  3. Compare the new rate quotes to your existing rates to see if a cheaper price is available. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.

An important note is to make sure you enter the same deductibles and limits on each quote and and to get rates from as many companies as possible. This helps ensure a fair price comparison and a complete rate analysis.

How to find low cost Pontiac G6 insurance in Plano, Texas

Cutting your insurance rates can be quick and easy. You just need to take a couple of minutes comparing price quotes from online providers.

Doing price comparisons online is so simple that it takes the place of having to spend time driving to all the different insurance agencies. Comparing Pontiac G6 insurance rates online has made agencies unnecessary unless you want the trained advice that only an agent can give. Drivers can price shop your coverage online but purchase the actual policy in an agency.

The following companies are our best choices to provide free rate quotes in Plano, TX. If you want the cheapest auto insurance in Texas, it's highly recommended you compare several of them in order to find the lowest rates.

Rates and statistics

The premium information displayed next outlines different insurance premium costs for Pontiac G6 models. Learning how car insurance premiums are calculated can aid in making smart choices when buying a car insurance policy.

Pontiac G6 Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $226 $412 $358 $22 $108 $1,126 $94
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in vehicle garaging location which can alter premium rates noticeably.

Deductible analysis

A question often asked by Plano drivers is which deductible level should you buy. The figures shown below outline the cost difference when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Pontiac G6 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $328 $592 $382 $22 $114 $1,463 $122
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Pontiac G6 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $240 $400 $382 $22 $114 $1,158 $97
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in garaging location in Plano which can alter coverage prices noticeably.

Based on these figures, using a $100 deductible will cost you roughly $25 more each month or $300 annually than opting for the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 16 months between claim filings, you would probably be better off by going with a higher deductible.

The illustration below shows how choosing a deductible and can affect Pontiac G6 insurance rates for different ages of insureds. The information is based on a married male driver, full coverage, and no discounts are taken into consideration.

How accidents and violations affect rates in Plano

The information below illustrates how violations and fender-benders increase Pontiac G6 annual premium costs for each different age group. The premium estimates are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Rate difference between full and liability-only coverage

The information below illustrates the difference between Pontiac G6 insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no claims or driving violations, $500 deductibles, drivers are not married, and no other discounts are factored in.

Are you wasting money paying for full coverage?

There isn't a written rule to eliminate physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's say your Pontiac G6 replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying your policy deductible. If it's costing you more than $600 annually for full coverage, then it could be time to drop full coverage.

There are a few cases where dropping full coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Get Lower-cost Insurance Prices by Understanding These Factors

Many different elements are considered when you get a price on insurance. Most are fairly basic such as your driving history, but other factors are more obscure like your vehicle usage or how financially stable you are. The best way to find cheaper auto insurance is to take a look at some of the factors that help calculate the rates you pay for auto insurance. If you know what influences your rates, this enables you to make decisions that can earn you lower auto insurance prices.

  • Discounts for married couples - Being married may save some money on auto insurance. It translates into being more mature and responsible and statistics show being married results in fewer claims.
  • Liability insurance limits should be high - A critical coverage on your policy, liability insurance is the protection if a court rules you are at fault for damages from an accident. It will provide legal defense to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Reduce rates by driving safer cars - Safer cars cost less to insure. Vehicles engineered for safety reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Pontiac G6 is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Don't abuse policy claims - Insurance companies in Texas provide the lowest premiums to insureds who do not file claims often. If you file a lot of claims you can expect much higher rates or policy non-renewal. Your insurance policy is intended to be relied upon for claims that pose a financial burden.
  • Lower stress equals lower prices - Do you have a high-stress occupation? Jobs such as real estate brokers, executives, and emergency personnel generally have higher premium rates because of intense work situations and lengthy work days. On the other hand, jobs like actors, engineers and retirees receive lower rates.
  • Extra policy coverages are wasting money - There are a lot of extra add-on coverages you can purchase if you aren't careful. Coverages for rental car reimbursement, accident forgiveness, and Farm Bureau memberships may be costing you every month. They may seem good when you first buy your policy, but if they're wasting money get rid of them and save.

Choosing the best Pontiac vehicle insurance in Texas is an important decision

Even though it can be expensive, insurance serves a purpose in several ways.

  • Most states have compulsory liability insurance requirements which means the state requires a specific level of liability insurance coverage in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you bought your G6 with a loan, it's most likely the lender will make it a condition of the loan that you have comprehensive coverage to guarantee loan repayment. If you let the policy lapse, the bank may insure your Pontiac at a significantly higher premium and require you to pay the higher premium.
  • Insurance preserves both your vehicle and your personal assets. Insurance will pay for many types of medical costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your car are definitely more than the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $855 a year so we recommend shopping around every year to make sure the price is not too high.